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State, local auto-IRA initiatives benefit 'forgotten' workers

February 26, 2017

In his short tenure, President Donald J. Trump has followed up on his campaign promise to try and reduce federal regulations. He has signed an executive order requiring that in order to add a new regulation, government agencies must get rid...

Demographic shift of retirees to affect consumer spending

February 24, 2017

Major demographic shifts over the next decade will have a dramatic affect on U.S. consumer spending, which in turn will influence the overall economy, specific industry sectors and individual stocks, according to a new report from The Conference...

Help clients feel confident and in control of the retirement planning process

February 22, 2017

The thing I loved most about the old Star Trek series was the interaction between Mr. Spock and Captain Kirk. Mr. Spock always used sound logic to make his decisions while Captain Kirk often made gut decisions relying mostly on his emotions....

Many acquisitions of DC record-keeping businesses lose luster over time

February 22, 2017

Companies that once swallowed up DC record keepers and other benefits businesses to diversify, expand and increase shareholder value are now regurgitating them to consolidate — again to increase shareholder value. The latest example is Aon...

Using IRAs to reduce Medicare premiums

February 21, 2017

High-income Medicare beneficiaries who are age 70 1/2 or older can use a recent change in the tax code to reduce their Medicare premiums surcharges. Individuals whose modified adjusted gross income (MAGI), which encompasses all income including...

New York Life settles 401(k) lawsuit for $3 million

February 16, 2017

New York Life Insurance Co. has agreed to settle a lawsuit alleging the firm engaged in self-dealing in its 401(k) plans for the sum of $3 million. Plaintiffs brought the excessive-fee suit against New York Life in July 2016, seeking relief...

Small and large course corrections can add up to big savings for retirement

February 15, 2017

American retirement is a huge riddle. How do you save for something when you don't know what it will cost or how long it will last? That's the challenge faced by millions of Americans, so it may not be surprising that most are coming up short....

House votes to kill DOL's state, city auto-IRA rules

February 15, 2017

The House on Wednesday voted in favor of two resolutions to overturn Labor Department rules issued last year that promote creation of auto-IRA programs by cities and states. The resolutions to kill the Obama-era rules were introduced last week,...

How to help millennials avoid big mistakes with their IRAs

February 14, 2017

Millennials need retirement help. They're making critical IRA mistakes that will cost them exponentially over time. They need human advisers, not just robo-advisers who offer no guidance. Advisers can tap into the millennial IRA market through...

Funds with revenue-sharing fees can be cheapest option in 401(k) plans

February 14, 2017

The use of mutual funds with revenue-sharing fees in retirement plans has come under fire due to a push toward 401(k) fee transparency and an increase in excessive-fee litigation, which often attacks the practice due to cost concerns. But revenue-sharing...

Social Security Administration continues to give bad advice on claiming rules

February 13, 2017

I don't know who is more frustrated about the rash of bad advice being doled out by Social Security Administration staffers recently — financial advisers, their clients or me. More than a year after Congress approved changes to Social Security...

Blackstone acquisition of Aon Hewitt could signal push by private equity into 401(k) plans

February 13, 2017

Amid the flurry of consolidation activity among defined-contribution-plan record keepers over the past few years, Blackstone Group's acquisition of Aon Hewitt's record-keeping business, announced Friday, stands as an outlier. Whereas high-profile...

Trump's DOL fiduciary directive triggers chaos

February 12, 2017

Some would say that less than a month into his presidency, Donald J. Trump has unleashed mayhem on the retirement advice industry; others would say he has saved it from a terrible mistake. One thing everyone would agree on: All hell has broken...

Medicare enrollment ends HSA eligibility

February 9, 2017

As many clients continue to work beyond the traditional retirement age of 65, financial advisers are often confronted with questions about the interaction of employer-provided health insurance, Medicare and health savings accounts. Health savings...

Congress seeks to kill DOL rules on state, city auto-IRA programs

February 8, 2017

Republicans are trying to take more Obama-era retirement regulations off the books, their most recent target being Labor Department rules promoting the establishment of auto-IRA programs by cities and states. Two House Republicans introduced...

Trump executive order may prevent guidance on employee benefits issues

February 7, 2017

For employee benefits practitioners, the key takeaway from a recent Trump administration executive order on reducing regulations and controlling regulatory costs is this: “For every one new regulation issued, two prior regulations must be...

Two ways to boost Social Security benefits

February 6, 2017

Now that Congress has eliminated some of the more lucrative Social Security claiming strategies, financial advisers are always looking for ways to help their clients maximize their retirement benefits. Scott Willingham, a financial adviser with...

Investors mix target-date funds and other investments to pursue specific strategies

February 6, 2017

Defined contribution plan participants who hold a target-date fund along with other investments in their accounts might not be misusing or misunderstanding this option. Their mixing of investments can reflect a specific investment strategy,...

Most advisers think the industry will continue down a fiduciary path despite rule delay

February 3, 2017

News that President Donald J. Trump plans to order a stop to the DOL fiduciary rule drew mixed reactions from financial advisers. Find out how they think the efforts to implement the rule will impact their businesses and the industry going forward....

Clean shares could revolutionize the fund industry

February 2, 2017

Clean shares will be an enormous game changer for mutual funds and the investment advisers who sell them. “Clean shares” — a term borrowed from England — separate out the fees for mutual fund distribution from those for investment management....

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